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Cheapest car insurance in Boiling Springs, South Carolina (Oct 2024)
Cheapest car insurance in Boiling Springs, South Carolina (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Boiling Springs, South Carolina.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Boiling Springs
- How to find the cheapest car insurance quotes in Boiling Springs
- Best cheap car insurance quotes in Boiling Springs
- Average cost of car insurance in Boiling Springs
- Car insurance quotes in Boiling Springs by rating factors
- How do different factors impact your car insurance costs in Boiling Springs?
- Cheap car insurance quotes in Boiling Springs after driving violations
- Cheap car insurance quotes in Boiling Springs by age
- Cheap car insurance quotes in Boiling Springs based on insurance history
- Cheap car insurance quotes in Boiling Springs for popular cars
- How to lower car insurance costs in Boiling Springs
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Boiling Springs
Car insurance quotes are as unique as every driver, so shopping around and comparing quotes is the easiest way to find the best car insurance company for you.
To help save you time, Jerry conducted the nation’s largest insurance shopping survey to determine the best insurance providers. We interviewed over 15,000 real policyholders to get their insight on their current insurers. Here’s what they had to say.
Based on results, big providers, like
State Farm
in Boiling Springs, SC, received a 4.0/5.0 for policy cost, customer service and an overall rating. Jerry customers, on the other hand, were less impressed with customer service from Allstate
in Boiling Springs, SC, ranking them below average in this area and others.On the other hand, Boiling Springs drivers ranked smaller insurers like
State Auto
and Travelers
highly for price, customer service, claims process, and overall satisfaction. Take a look at the table below to see how Boiling Springs drivers ranked these insurers and others.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$24 | $135 | 4.0 | 4.3 | |
$54 | $136 | 3.4 | 4.0 | |
$26 | $142 | 4.2 | 4.6 | |
$27 | $150 | 3.5 | 4.4 | |
$49 | $153 | 4.2 | 4.4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How to find the cheapest car insurance quotes in Boiling Springs
On average, a liability-only policy costs approximately $106 per month for a minimum coverage policy, and $237 per month for full coverage.
Shopping around and comparing
auto insurance
quotes is the easiest way to find the most affordable rates in Boiling Springs, South Carolina
. But, sifting through quotes from dozens of providers can be overwhelming. Instead of investing time to request individual free quotes, consider using the
Jerry
app. In under a minute, Jerry pulls the best car insurance quotes from a pool of more than 55 providers to help you find the lowest rate on the best coverage.Check out the table below for real quotes Boiling Springs drivers found using Jerry.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $247 | Bill, 27 Zip: 29316 | Mazda CX-5 Premium | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $146 | Anne, 53 Zip: 29316 | Ford F150 Supercrew | • No Coverage Liability |
| Bristol West | $391 | Katharine, 27 Zip: 29316 | Hyundai Sonata SE | • State Minimum Liability |
Gainsco | $238 | Brent, 26 Zip: 29316 | KIA Soul | • State Minimum Liability |
| Dairyland | $297 | Hettie, 20 Zip: 29316 | Ford Ranger Super Cab | • State Minimum Liability |
Last Updated Oct 7, 2024Best cheap car insurance quotes in Boiling Springs
South Carolina car insurance requirements mandate that all drivers carry auto insurance that meets or exceeds the
state’s minimum requirements
. In SC, the minimum requirements include liability insurance and uninsured motorist coverage with limits of at least 25/50/25. However, many drivers opt for full-coverage auto insurance that offers better financial and legal protection in the event of a collision.
Cheap minimum liability insurance quotes in Boiling Springs
South Carolina’s minimum car insurance requirements are as follows:
- $50,000 of bodily injury liability per accident
Uninsured/underinsured motorist coverage
is also required in SC at equal rates.Take a look at the table below to see how Jerry has helped Boiling Springs drivers fulfill the state’s minimum car insurance requirements.
Isaiah (59 years old)
$120
per month
Harriett (52 years old)
$176
per month
Vincent (27 years old)
$134
per month
Gainsco
Melvin (32 years old)
$161
per month
Do you need more than minimum coverage in Boiling Springs?
Although not required, exceeding minimum coverage is recommended.
South Carolina’s 25/50/25 minimum car insurance requirements are similar to most states. Still, they’re often insufficient to cover the full cost of a car accident, especially if someone is injured or a vehicle is totaled. If accident expenses exceed your policy’s coverage limits, you will be liable for covering the remaining costs—and if you can’t make payments, your assets and future income could be on the line.
It’s also important to note that liability coverage and UM/UIM only cover third-party injury and damages—they don’t cover your expenses.
If you’re not upgrading to a policy that covers physical damages, it’s recommended to increase your liability limits to at least 50/100/50, but 100/300/100 is even better.
If you’re not upgrading to a policy that covers physical damages, it’s recommended to increase your liability limits to at least 50/100/50, but 100/300/100 is even better.
Cheap full coverage car insurance quotes in Boiling Springs
Minimum liability insurance covers third-party injuries and vehicle damage, but it won’t cover physical damage to your vehicle—you will need a full coverage policy for that.
Full coverage auto insurance includes:
- Collision coveragecovers the cost of repairing or replacing your vehicle after an accident with another vehicle or stationary object.
- Comprehensive coveragecovers repair or replacement costs in non-collision-related incidents, such as theft, vandalism, or damage from a severe weather event.
It’s also important to note that if you loan or lease your vehicle, your lender may require you to purchase collision and comprehensive coverage for the duration of your auto loan or lease. You’ll also need full coverage if you want additional coverage on your policy, such as towing and labor coverage (a cheaper version of roadside assistance) or accident forgiveness.
Remember: Collision and comprehensive coverage are both subject to deductibles. Increasing your deductible to the highest amount you can afford out-of-pocket in the event of a collision can help reduce your monthly car insurance payments.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $247 | Bill, 27 Zip: 29316 | Mazda CX-5 Premium |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $111 | Mittie, 34 Zip: 29316 | Hyundai Sonata SE |
• State Minimum Liability • Comp / Collision | Gainsco | $652 | Willie, 23 Zip: 29316 | Chevrolet Impala Limited LT |
• State Minimum Liability • Comp / Collision | Assurance America | $296 | Hattie, 48 Zip: 29316 | Chrysler 200 Limited |
Last Updated Oct 7, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Boiling Springs
On average, Boiling Springs drivers pay about $106 per month or $1,278 per year for minimum coverage insurance. For full coverage, drivers pay around $237 per month or $2,844 per year.
Averages can be helpful to ballpark how much you’ll pay for auto insurance, but they’re just that—averages. Insurance providers consider several factors when determining car insurance premiums, so you’ll want to shop around and compare rates before deciding.
Car insurance quotes in Boiling Springs by rating factors
When
calculating insurance premiums
, insurers take into account several driver-specific factors. Some of these include: - Your driving record and claims history: A history of accidents and violations leads to higher insurance rates than drivers with a clean record.
- Your demographics: Your age, gender, and marital status can all influence how much you’ll pay for auto insurance.
- Your zip code: Areas within a city are subject to specific factors influencing insurance rates, such as traffic patterns and crime rates.
- Annual mileage: The more miles you put on, the higher your risk of being involved in an accident and the more you’ll pay to insure your car.
- Vehicle make/model: Luxury, sport, and high-performance cars have higher replace and replacement costs, making them subject to higher insurance rates.
- Credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Boiling Springs?
How do different factors impact your car insurance costs in Boiling Springs?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): South Carolina currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Boiling Springs:
Cheap car insurance quotes in Boiling Springs after driving violations
Your
South Carolina driving record
has one of the most significant impacts on Boiling Springs auto insurance rates. Drivers with a history of accidents and violations are a higher risk to insurers and will, therefore, see higher insurance rates than drivers with a clean record. Violations that lead to higher insurance premiums include:
- Speeding
- DUIs
- At fault accidents
- Driving without a license
- Driving with a suspended license
- Texting and driving
Cheapest car insurance in Boiling Springs after DUI
A
DUI conviction in South Carolina
is a major offense that greatly impacts car insurance rates. Driving under the influence flags you as a high-risk driver, which means you’re also a high-risk policyholder. Auto insurance rates will undoubtedly increase following a DUI, but rates will still vary between providers.It’s also important to note that not every insurer will offer coverage to a high-risk driver. If you have a previous DUI on your driving record, use Jerry to help you find affordable car insurance to meet your insurance needs.
Cheapest car insurance in Boiling Springs after an at-fault accident
Insurance providers assess your history of accidents with a special focus on your at-fault collisions to determine your level of risk. High-risk drivers with multiple at-fault accidents will see significantly higher insurance rates than those without—though having accident forgiveness on your policy can help prevent a surcharge after your first collision.
If you’ve recently added an at-fault accident to your South Carolina driving record, Jerry can help you sort through quotes to find the cheapest rate.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $102 | Johanna, 30 Zip: 29316 | Honda Civic LX | • 30,000/60,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $176 | Laura, 51 Zip: 29316 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $271 | Lettie, 26 Zip: 29316 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Gainsco | $245 | Nettie, 41 Zip: 29316 | Chrysler 300 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 7, 2024Cheapest car insurance in Boiling Springs after other driving violations
DUIs, speeding, and accidents aren’t the only offenses that can increase insurance rates. Things like reckless driving, driving with a suspended license, and
driving without insurance
can all lead to higher insurance rates in Boiling Springs, SC.Jerry is there to help drivers find reasonable insurance rates—even with a not-so-good driving record.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Yield | Progressive | $108 | Stella, 30 Zip: 29316 | Ford Fusion SE | • State Minimum Liability |
Failure to Yield | Progressive | $108 | Inez, 30 Zip: 29316 | Ford Fusion SE | • State Minimum Liability |
Last Updated Oct 7, 2024Cheap car insurance quotes in Boiling Springs by age
Your driving experience significantly impacts how much you’ll pay to insure your car. Young or
new drivers
with limited driving experience typically pay more for insurance until 25. Car insurance rates generally reach their lowest in middle age for drivers with clean records, but premiums can rise again for seniors as they reach their mid-70s.Cheapest car insurance in Boiling Springs for young drivers
Young drivers between 16 and 19 pay the highest insurance rates out of all age groups in Boiling Springs due to limited driving experience, but rates can still be high up until age 25. Teen drivers pose one of the highest risks to insurers and, therefore, have some of the highest rates, even for minimum coverage.
While minimum coverage is the cheapest option for teens and new drivers, most can benefit from the added protection that a full coverage auto insurance policy offers—this is especially true if you have a newer car.
Additionally, young drivers can benefit from using the Jerry app to find lower than average car insurance rates:
Stanley (23 years old)
$412
per month
Nannie (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Boiling Springs, SC (Zip Code: 29316)
$342
per month
Cheapest car insurance in Boiling Springs for senior drivers
Senior drivers
are at a higher risk of accidents due to slower reflexes that increase the risk of a collision and a higher susceptibility to injury and mortality resulting from an accident. Due to the added risk of financial liability, senior drivers face higher rates into their 70s.Fortunately, Jerry can still help you find affordable auto insurance well into your 70s and beyond.
Leonard (75 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Boiling Springs, SC (Zip Code: 29316)
GMC Terrain SLE$132
per month
Christian (76 years old)
$196
per month
Cheap car insurance quotes in Boiling Springs based on insurance history
Like your driving record and claims history, your insurance history can also significantly affect how much you pay for car insurance. Insurers will consider how long you’ve been continuously insured and if you’ve experienced any
lapses in coverage
to determine your risk level.Drivers with a long, continuous insurance history generally pay lower rates than drivers with past lapses or a short insurance history.
The good news is that Jerry can help customers find savings on car insurance coverage regardless of their insurance status.
Marie (27 years old)
$191
per month
Susie (74 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Boiling Springs, SC (Zip Code: 29316)
GMC Terrain SLE$125
per month
Cody (31 years old)
$420
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in for drivers with poor credit
Not every insurer uses credit-based insurance scores, but those that do typically offer better rates to drivers with good credit. Although
credit scores
don’t directly affect how well you drive, statistically, insurers have seen a relationship between low credit and increased claims filing.In most cases, drivers with excellent credit scores (>700) will pay about 20% less to insure their vehicles compared to individuals with poor credit scores (<600).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $125 | Blanche, 40 Zip: 29316 | BMW X3 sDrive28i | • State Minimum Liability • Comp / Collision |
660 - 750 | Travelers | $125 | Susie, 74 Zip: 29316 | GMC Terrain SLE | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $205 | Alex, 42 Zip: 29316 | Chrysler 300 | • State Minimum Liability • Comp / Collision |
550 - 659 | National General | $506 | Don, 23 Zip: 29316 | KIA RIO SX | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $231 | Cornelia, 49 Zip: 29316 | Nissan Maxima S | • State Minimum Liability |
Last Updated Oct 2, 2024Cheap car insurance quotes in Boiling Springs for popular cars
Your vehicle's make and model can also affect car insurance rates in Boiling Springs. MSRP, trim level, and repair costs can lead to insurance rates above or below the average. But insurers also consider things like theft risk, safety ratings, and safety features when determining premiums.
Check out the table below for the average insurance cost for some popular cars in Boiling Springs.
Last Updated Oct 7, 2024How to lower car insurance costs in Boiling Springs
1. Shop around and compare quotes
Insurance companies use different algorithms to calculate insurance rates, meaning quotes will differ between providers, even for the exact driving profile. That’s why shopping around and comparing rates from at least three different providers is important before settling on a policy.
And if you’re in the market to maximize your savings, you can also shop around for a new quote every six months to stay on top of the cheapest rates. You can either use a traditional insurance agent or insurance agency to help you find the best price, or an independent broker, like Jerry
2. Hunt for car insurance discounts
Every insurance company offers
car insurance discounts
, but what’s available will vary based on the provider and your location.Some popular discounts include:
- Safe driving discounts: Most insurers reward safe drivers—those who’ve maintained a driving record free of accidents and violations for at least three years—with the lowest premiums.
- Telematics discounts: Many insurance companies offer discounts for drivers who choose to track their driving habits using a telematics app or device. The safer you drive, the more money you can save.
- Good student discounts: If you’re a full-time high school or college student who maintains a B average or better, you could receive access to car insurance products and discounts to help offset high teen insurance rates.
- Bundling discounts:Bundle your auto and homeowners insurance(or auto and renters insurance) with the same company, and you could receive a discount on both home insurance and auto coverage policies.
3. Increase your deductible for comprehensive and collision coverage
If you have a policy with collision and comprehensive coverage, increasing your deductible to the highest amount you can afford to pay upfront in the event of an accident can help reduce your monthly insurance payments—you won’t need to sacrifice coverage, either.
FAQ
Who has the cheapest car insurance in SC?
Every insurance company uses a different algorithm to calculate insurance rates, meaning no single provider offers the cheapest car insurance for every South Carolina driver. However, based on Jerry’s nationwide survey, policyholders ranked
Nationwide
, Travelers
, and Safeco
high for customer service and overall processes.What is the average cost of car insurance in SC?
On average, SC drivers pay around $106 per month or $1,272 per year for minimum coverage car insurance. For full coverage, drivers spend an average of $237 per month or $2,844 per year.
Is it illegal to drive without insurance in SC?
Driving without insurance (or other proof of financial responsibility) is illegal in every state, including South Carolina. For a first offense, penalties include a $100–$200 fine or serve 30 days in jail and surrender your vehicle’s license plates and registration. On top of that, for each day you go without insurance coverage, you'll pay a $5 surcharge, up to $200.
What is the basic car insurance in South Carolina?
South Carolina minimum car insurance laws mandate all drivers carry a minimum of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. Drivers must also carry uninsured/underinsured motorist coverage with equal limits.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.